Why do personal trainers need insurance?
As a personal trainer, you design fitness plans that require attention to detail, but you can’t control every scenario. Your client might say a muscle tear they’ve sustained is due to a weight routine you advised or even your instruction during a body pump class. You may not have been there at the time, but if they were training on your advice you may face a negligence claim. PT insurance tailored with combined professional, treatment and public liability insurance could help with legal and compensation costs.
You might hurt yourself teaching a spin class, during a session on the gym floor or even have an accident at home that’s unrelated to training. No matter the cause, being injured can damage your earnings as a fitness instructor or personal trainer. Creating a package of cover that includes personal accident insurance means we’ll be there to help with expenses during your recovery time. This assistance can help you to focus on getting better without worrying about finances.
You provide a quality service for your clients, so you also use specialised kit that needs looking after. Your client could break a brand new TRX system during a session. On top of that, you rely on technology to organise training – so if you drop and smash your phone, you can’t book sessions. A policy that includes portable equipment insurance could help with replacements and repairs, so you can continue being the personal trainer your clients need with minimal disruption.
What insurance is available for personal trainers?
Personal trainers can buy certain covers as part of a combined product – professional, treatment and public liability insurance. This brings together elements of professional treatment liability insurance and public and products liability, which helps against claims over bad advice.
These are just some of the types of business insurance for personal trainers that we can offer. We can provide other specific types of cover and build them into a policy that’s tailored to the exact needs of your business.Get your quote
Insurance for personal trainers: FAQs
Do personal trainers need insurance for training clients outdoors?
Your PT insurance package may cover you wherever you train your clients, since it can be tailored to your circumstances. Therefore, if you coach clients in outdoor public spaces, such as parks or playing fields, you will be able to include a combined professional, treatment and public liability policy which may provide cover if a member of the public trips on a skipping rope. Equipment insurance could help ensure your kit is also covered if damaged.
What insurance do I need for my personal training equipment?
Without your equipment, from medicine balls to resistance bands, you’re unable to carry out your job properly or provide the best service. This is why it could be useful to cover your kit with a portable equipment insurance policy so items can be quickly replaced or repaired.
When you’re calculating how much personal trainer insurance is, there are lots of things to consider, including the value of your equipment.
Do you need insurance to teach fitness online?
Personal trainers will often find they gain reassurance from having business insurance to teach fitness, even if this happens solely online. This is because many of the risks that come with working as a personal trainer are still present online – your equipment such as your laptop could become damaged and need repair, you could be injured and unable to work or a cyber-attack could target your email account or systems.
Employers’ liability insurance could also be a legal requirement (external link) if you employ someone else as part of your online fitness instructor business. This rule could apply whether they work as a PT or something else.
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